Disability and Life Insurance

Disability and life insurance are essential components of a comprehensive financial protection plan, offering support during times of unforeseen events. Disability insurance protects your income if you are unable to work due to a disabling illness or injury. It helps replace a portion of your salary, ensuring you can meet your financial obligations and maintain your quality of life while you recover. Life insurance provides a financial safety net for your loved ones in the event of your passing. It helps ensure that your family can maintain their standard of living, cover daily expenses, pay off debts, and secure future financial goals. Supplemental accidental death and dismemberment coverage provides an extra layer of financial protection in the event of accidental death or serious injury, helping ease the financial burden on you or your family.

Contact The Standard (Life Insurance & Disability)

General Customer Contact Center: (888) 937-4783
Claim Intake Service Center: (800) 378-2395
Website: www.standard.com
Hours: 6:00 AM – 6:00 PM MST

Contact Zurich (Accidental Death & Dismemberment)

Claims: 1-800-987-3373

Short-Term Disability
Short Term Disability insurance can replace part of your income if a disability keeps you from working for a short time (120 days or less). It pays you 66.67% of your salary directly to help cover expenses like housing, food, and child care. This is a benefit you’d receive if you suffer a qualifying disability. Eligible earnings are your weekly insured pre-disability earnings, as defined by the group policy.
Short-Term Disability Details

Long-Term Disability
Long-Term Disability insurance can help pay the bills if you become disabled and can’t work for an extended period due to a disability, beyond the initial 120 days covered by short-term disability. That could be a few months or several years. This coverage helps replace part of your paycheck by paying 66.67% of your pre-disability salary, which can help you protect your lifestlye and savings.
Long-Term Disability Details

Life Insurance
Life Insurance helps take care of your family if something happens to you. It can help your loved ones get through a difficult time and pay for important things, like a home or college plans. Additional life insurance can protect the people you care about if you’re no longer here to provide for them. They can use the payout to help pay expenses like funeral and medical costs, or housing, college tuition, and child care. USU offers several life insurance options for you and your family.
Life Insurance Details

USU Death Benefit
In the event of the death of a benefit-eligible employee, USU pays one month's salary as a death benefit. This is in addition to any other life insurance the employee has and any payable vacation leave. This death benefit is a payment based on the deceased employee’s salary for a 30-day period from the date of the death.
Death Benefit Details

Accidental Death & Dismemberment Insurance
Accidental Death & Dismemberment (AD&D) insurance is a type of policy that provides financial benefits to the insured or their beneficiaries in the event of a serious accident. Specifically, it pays out if the insured dies or suffers a severe injury—such as the loss of a limb, sight, hearing, or speech—due to an accident. This is a supplemental benefit offered by Zurich that can be elected in addition to the existing life and AD&D benefit through the Standard and can help provide additional financial protection for unexpected events.
AD&D Details